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A year ago, Equifax announced that hackers had breached its system and accessed the data of nearly 150 million U.S. consumers. To mark the anniversary of that notorious announcement, U.S. PIRG Education Fund is releasing a report containing suggestions on how state and federal authorities and consumers can safeguard personal information.

"One year after announcing the worst data breach in history weeks after it knew about it, Equifax has yet to pay a price or provide consumers with the information and tools they need to adequately protect themselves," said Mike Litt, U.S. PIRG’s consumer campaign director. “This may not have been the biggest breach ever, but it’s the worst, because Equifax’s carelessness made it easier for bad guys to steal the identities of nearly 150 million consumers.”

The report, Equifax Breach: 1 Year Later – How to Protect Yourself Against ID Theft & Hold Equifax Accountable, includes the following features:

A recap of the main governmental and civil actions against Equifax over the last year (which have so far failed to hold the company accountable).

New materials, including charts and checklists, to help consumers understand how to best protect themselves against the very real threats of identity theft for the rest of their lives.

A case for why we need both oversight and financial consequences to prevent future large-scale breaches.

The report also recommends requiring companies that have been hacked to clearly explain to consumers how they can protect themselves against most types of identity theft.

"Despite all the outrage and media attention last year, Congress has done little except make security freezes free, and Equifax has not been held accountable. And this sensitive information, including Social Security numbers and birth dates, is still out there, with the potential to wreak havoc for the majority of adult American consumers in perpetuity. Unfortunately, it's up to consumers to protect themselves, and I commend this report by U.S. PIRG that gives consumers the information and advice to do so," added Chi Chi Wu, staff attorney for the National Consumer Law Center and credit reporting expert.

The report contains charts,checklists and other tips to to help consumers prevent and detect the types of identity theft and fraud made possible by the Equifax breach:

New Account Fraud (including cell phone, credit card, loan, and utilities): Get credit freezes at all three nationwide credit bureaus -- Equifax, Experian, and TransUnion. A new federal law will eliminate fees for those credit freezes for consumers on September 21st, 2018.

Tax Refund Fraud: File your taxes as soon as possible, before thieves do. Also, if you qualify, get an Identity Protection (IP) PIN.

Many of these tips are also available here, separate from this report.

The report also highlights the need for both penalties against and new oversight of Equifax to compensate the victims and prevent future breaches of this scale.

“Ultimately, we are not the customers of Equifax or the other credit bureaus. We are their product. We did not ask or give them permission to collect or sell our personal information,” said Litt. “At the very least, breached companies should be required to provide consumers clear information about what can be done to protect themselves against most types of identity theft.”

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U.S. PIRG (Public Interest Research Group) Education Fund is an independent, non-partisan group that works for consumers and the public interest. Through research, public education and outreach, we serve as counterweights to the influence of powerful special interests that threaten our health, safety, or well-being.

Since 1969, the nonprofit National Consumer Law Center (NCLC) has used its expertise in consumer law and energy policy to work for consumer justice and economic security for low-income and other disadvantaged people, including older adults, in the U.S.

U.S. PIRG Education Fund is part of The Public Interest Network, which operates and supports organizations committed to a shared vision of a better world and a strategic approach to getting things done.